INSS pays pensions and 13th from this Monday

About 36 million Brazilians will receive the payment of pensions or benefits from the INSS (National Social Security Institute) as of this Monday (25), when the first installment of the 13th installment also begins to be advanced to 31.6 million policyholders.

Beneficiaries who earn up to a minimum wage (R$ 1,212) will receive until May 6, according to the final number of the benefit, without considering the check digit. Policyholders who receive amounts above the national minimum will have to pay between May 2nd and 6th.

The money from the 13th will fall into the account along with the monthly benefit, in two stages. The first installment will come in the competence of April — between April 25th and May 6th. The second installment will fall with the payment of the competence of May — between May 25 and June 7.

According to the institute, the 13th of the INSS will inject more than R$ 56.7 billion into the economy: R$ 28.3 billion referring to the advance of the first installment and another R$ 28.3 billion of the second installment.

They are entitled to the 13th retirees, pensioners and workers with sick pay and accident pay. Policyholders who have BPC (Continued Benefit Benefit) and lifetime monthly income do not receive the 13th.

Querying the exact value of the 13th of the INSS can be made by the beneficiary through the Meu INSS app or website. For those who were already retired in January 2022, the first installment corresponds to half of the benefit amount. The second installment has an income tax discount for those who are obliged to pay.

Calendar of the 1st installment of the 13th and the monthly payment of benefits

For those earning the minimum wage (R$ 1,212)

For those earning above the minimum wage

Calendar of the second installment of the 13th

For those earning the minimum wage (R$ 1,212)

For those earning above the minimum wage

HOW TO MAKE THE CONSULTATION?

To find out how much you will receive from the 13th, of monthly benefit and check on which exact day the money will fall into the account, the retiree needs to have a password to access My INSS.

From the site:

1. Access www.meu.inss.gov.br
2. On the home page, go to “Entrar com gov.br”
3. Then, enter the CPF and click “Continue”
4. On the next page, enter the password and go to “Login”
5. On the home page, click on “Payment Statement”
6. Two amounts will appear: those that were paid in March, whose status will be as “Paid”, and those that will be paid in April
7. Click the arrow next to the April payment and the statement will open
8. The insured can consult: the benefit amount (code 101), the amount of the 13th salary (code 104), payroll loan, if any, necessary rounding, agency where the benefit is linked and the date on which the amount will be available
9. It is possible to generate the PDF by clicking at the bottom of the page on “Download PDF”

By app:

1. Open the My INSS app
2. Click on “Sign in with gov.br”
3. Enter your CPF and go to “Continue”, then enter your password and go to “Enter”
4. The program will ask if you want to register the device to receive notifications, choose “Do not allow” or “Allow”
5. On the home page, go to “Payment Statement”
6. Click on the arrow next to the April payment and the statement will open
7. The insured can consult: the benefit amount (code 101), the amount of the 13th salary (code 104), payroll loan, if any, necessary rounding, agency where the benefit is linked and the date on which the amount will be available
8. It is possible to generate the PDF by clicking at the bottom of the page on “Download PDF”

What to do with the anticipation of the 13th of the INSS?

Cintia Senna, educator at Dsop (an organization dedicated to financial education) says that anticipating the 13th is a good measure, especially for those who know how to deal with extra resources. “It is important for us to emphasize that this amount is already the right of the retiree or pensioner, and he is having the possibility of receiving it in advance and, consequently, making good use of the money”, she says.

According to Senna, the best thing to do with anticipation depends on the situation of each insured person. She suggests that people ask themselves some questions: “What is my financial situation. Am I in debt? Do I have emergency reserves? Do I have any short, medium or long-term dreams or needs? Will this amount be enough to organize myself, or even No? Can I start separating, saving, so that this amount helps me not only this month, but also the others?”

In the educator’s opinion, money should only be used to make purchases or debts as a last resort. Senna recommends that the person try to keep the advance as a reserve, especially if the insured knows that he will have extra expenses until the end of the year.

“If you can and know how, take the opportunity to make that money multiply through investments”, he says.

Law defined anticipation

Anticipation has always been a claim of retirees, which meant that, since 2006, the release of the first installment took place in the first semester, always by means of a presidential decree. Lula, Dilma, Temer and Bolsonaro signed decrees with the advance.

In 2019, however, the law that regulated the pension reform guaranteed the anticipation of the first installment of the benefit always in June without the need for a decree. The second quota, however, would continue to be paid in the second half of the year, together with the November benefit.

But in 2020 and 2021, the pandemic led to payment still in the first half. Last year, the 13th was paid to 30.7 million beneficiaries, injecting R$ 23.7 billion into the economy in each payment batch.​